Henry is married and has two children. He describes himself as a humble and focused man. He operates a retail store where he sells home products such as sugar, salt, tea leaves, flour and cooking fat. He has been involved in this business for eight years. His store is located in a high-potential business area and his primary customers are local residents. He describes his biggest business challenge to be high cost of transportation. Henry will use the KES 20,000 loan to buy home products to sell. His business goal is to be the best businessman he can be within five years. He hopes that in the future, he will be expand his business. This is his first loan with SMEP DTM.